Associate Director, Credit Risk

What is the opportunity?

Join RBC as an Associate Director, Credit Risk specializing in data centers and real estate lending. This position offers the opportunity to develop deep expertise in rapidly evolving sectors while influencing deal structures and risk mitigation strategies. The successful candidate will work in a dynamic and fast paced environment that values the ability to manage competing priorities, build strong rapport with business partners and provide risk decisioning that balances client credit needs with RBC’s risk objectives.

What will you do?

• Conduct comprehensive credit assessments of data center and real estate borrowers including construction / project finance and corporate lending structures.
• Analyze transactions, evaluating construction risk, operational risk, sponsor strength, and cash flow adequacy.
• Work collaboratively with business teams early in the transaction lifecycle to identify key credit risks and recommend appropriate deal structures and mitigation strategies.
• Review and adjudicate Credit Requests within agreed timelines, assign appropriate Risk Ratings, and escalate exceptions to applicable policies and guidelines.
• Conduct timely risk assessments incorporating continuous monitoring of financial performance, industry trends, regulatory changes, and early warning signals.
• Review complex financial models, conduct scenario analysis, and prepare peer group comparisons to support risk rating recommendations.

What do you need to succeed?

Must-Haves

• 3 – 6 years of experience working in a financial institution or rating agency, preferably with some project finance or real estate experience
• Comprehensive understanding of financial statements and demonstrated experience in financial analysis
• Advanced communication skills, including a proven ability to articulate recommendations to influence decision making
• Significant experience with Excel, including using Excel as a tool for financial analysis and the ability to navigate a financial model
• Analytical and curious mindset with the ability to identify key details while filtering out extraneous information
• Ability to deal with obstacles and ambiguity in an environment that can involve competing priorities and tight timelines
• Strong communication skills and ability to work collaboratively to develop effective solutions/recommendations

Nice-to-Haves:

• Completed, or in process of completing, an MBA and/or post graduate degree, CPA and/or CFA
• Experience with online research tools (Bloomberg, SNL, Capital IQ, S&P/Moody's/Fitch ratings)
• Interest in pursuing a career in Risk Management

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, and competitive compensation
• A team-oriented environment with a focus on learning and development
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact

Job Skills

Accounting Finance, Commercial Loan Review, Credit Analysis, Credit Risk Analysis, Credit Risk Management, Detail-Oriented, Financial Accounting Analysis, Financial Statement Analysis, Project Finances, Real Estate, Risk Analysis, Risk Management

Additional Job Details

ROYAL BANK PLAZA, 200 BAY ST:TORONTOTorontoCanada37.5Full timeGROUP RISK MANAGEMENTRegularSalaried2026-08-192026-09-02

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.